Quick question about pet ins

[skedaddler]

I've already got an ongoing claim with insurance for a condition so have paid out the excess

Ddog has a bad cut and it cost £80 to see the vet today for antibiotics and painkiller. I may need to take him back next week.

Im thinking I may as well claim on insurance for this as well? Is there any reason not to ?

If they are two separate conditions, then you will have to pay another excess. Also, your policy may have a yearly limit for all claims or 'per condition' limit. Depending on the excess, it may not be worth claiming for the £80 so wait and see if any more treatment is required. Check your policy wording carefully.

Two separate conditions means you'll need to pay your excess twice.

The excess is (nearly always) per condition, per year so £80 may not have exceeded your excess yet for the new condition unless you have one of the unusual policies where you pay a single excess per policy year.

I'll check, I think they told me I only pay the excess once per year. I'll also check how long I have to claim and maybe wait a few months. I have something like 15k and I'm claiming medication costing £35pm. It's with many pets

You’ll may an excess on each condition so if the paw is different to the claim you’ve sent before ie not related then you’ll have another excess

If the amount isn’t over it and you won’t be needing more treatment not much point doing a claim as you won’t get anything back

I suspect it'll be once per condition per year, not just one excess each year and you can claim as much as you want.

Ok thanks all. I've just renewed so guessing the excess would start again anyway. Next time I speak to them I'll ask if it's per condition or per year, I'm sure they said per year but it was in the context of the ongoing claim so possibly I've misconstrued their meaning !

With many pets you only pay out the excess once per policy year irrespective of number of conditions claimed for.

Thanks I thought this was what they said! I'm going to give them a call and check tomorrow.

Their policy says I have a year to claim so I think I'm going to keep a file of vet fees and claim them in groups if it is one excess per year .